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Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $74,007 | $97,125-23.8% | $86,233-14.2% | $137,256-46.1% |
| Participation rate | 100.0% | 74.2%+25.8pp | 69.0%+31.0pp | 80.0%+20.0pp |
| Annual return | 12.90% | 74.19%-61.3pp | 61.39%-48.5pp | 220.34%-207.4pp |
| Employer contribution / active EE | $1,890 | $2,841-33.5% | $2,504-24.5% | $4,156-54.5% |
| Participant deferral / active EE | $15,764 | $5,180+204.3% | $4,559+245.8% | $6,407+146.0% |
| Admin fee / account holder | $795 | $9,725-91.8% | $8,342-90.5% | $12,270-93.5% |